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Riyad BankSAU:1010 +0.63%72 ROE % is 13.52% as of Mar. 2026, which is 1% above its 10-year median of 13.36. GuruFocus rates SAU:1010 with a GF Score™ of 72/100 and a GF Value™ of ﷼22.95 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Riyad Bank ranks better than 76.29% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Riyad Bank's annualized net income for the quarter that ended in Mar. 2026 was ﷼10,454 Mil. Riyad Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ﷼77,323 Mil. Therefore, Riyad Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 13.52%.
The historical rank and industry rank for Riyad Bank's ROE % or its related term are showing as below:
SAU:1010'
s ROE % Range Over the Past 10 Years
Min: 8.2 Med: 13.36 Max: 14.49
Current: 14.15
During the past 13 years, Riyad Bank's highest ROE % was 14.49%. The lowest was 8.20%. And the median was 13.36%.
SAU:1010's ROE % is ranked better than 76.29% of 1527
companies
in the Banks industry
Industry Median: 10.27
vs SAU:1010: 14.15
Riyad Bank (SAU:1010) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Riyad Bank ROE % Related Terms
Riyad Bank ROE % Historical Data
* Premium members only.
The historical data trend for Riyad Bank's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Riyad Bank's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Riyad Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Riyad Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Riyad Bank's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Riyad Bank (SAU:1010) has a ROE % of 13.52% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Riyad Bank and its competitors. This is near median its historical median of 13.36. Over the past decade, Riyad Bank's ROE % has ranged from 8.20 to 14.49. According to the industry distribution chart, Riyad Bank ranks #362 out of 1527 companies in the Banks industry, placing it in the top 23.7%.
Is Riyad Bank's ROE % too high?
Riyad Bank's current ROE % of 13.52% is near median its 10-year median of 13.36. Over the past 10 years, this metric has ranged from a low of 8.20 to a high of 14.49. The Banks industry median ROE % is 10.27. Riyad Bank's value of 13.52% is 31.6% above this industry median. Based on the distribution chart, Riyad Bank ranks #362 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Riyad Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Riyad Bank's ROE % compare to PNC?
According to the Banks industry distribution chart, Riyad Bank ranks #362 out of 1527 companies for ROE %. This places Riyad Bank in the top 24% of its industry — outperforming the majority of peers. The industry median ROE % is 10.27. Riyad Bank's value of 13.52% is 31.6% above this benchmark. Historically, Riyad Bank's own ROE % has ranged from 8.20 to 14.49 over the past decade. While the company's 10-year median is 13.36 vs. the industry median of 10.27, Riyad Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.27, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riyad Bank's current ROE % of 13.52% is 31.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Riyad Bank and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riyad Bank's current ROE % is 13.52%, which is near median its own 10-year median of 13.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riyad Bank stock overvalued right now?
Based on GuruFocus' analysis, Riyad Bank (SAU:1010) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.95, compared to a current price of ﷼20.70 — trading 9.8% below its estimated fair value. The current ROE % is 13.52%, which is near median its 10-year median of 13.36 and 31.6% above the Banks industry median of 10.27. Riyad Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Riyad Bank (SAU:1010), the current ROE % is 13.52% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Riyad Bank (SAU:1010) Overvalued in 2026?
Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued.
The current stock price of ﷼20.70 is trading 9.8% below its estimated GF Value™ of ﷼22.95.
GuruFocus considers Riyad Bank to be Modestly Undervalued.
Key valuation signals for SAU:1010:
ROE %: 13.52% (near median its 10-year median of 13.36)
GF Value™: ﷼22.95 vs. price of ﷼20.70 (9.8% below fair value)
Industry Position: 31.6% above the Banks median (#362 of 1527)
No single metric tells the full story. See the SAU:1010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFinancial Boulevard - Al Aqeeq District, P.O. Box 22622, Riyad Bank Tower, Building No. 3128, King Abdullah Financial District (KAFD, Riyadh, SAU, 13519 – 6671
Riyad Bank is a financial institution in Saudi Arabia. The company provides a full range of banking and investment services. It also provides its customers with nonconventional banking products which are approved and supervised by an independent Shariah Board established by the Bank. The company operates in four business segments: i) Retail Banking, ii) Investment banking and brokerage, iii) Corporate banking, and iv) Treasury and Investments. The majority of the company's revenue is derived from the Corporate banking segment, which principally handles corporate customers' current accounts, deposits and provides loans, overdrafts and other credit facilities and includes small to medium sized businesses.
72GF Score
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